Advantages: a wide selection of exchange directions, support for major cryptocurrencies and Russian banks, attractive fees, regular promotions, an affiliate program, and operation without breaks or weekends. Disadvantages: increased exchange time, especially for certain directions, delays when withdrawing from EXMO, absence of many popular altcoins and some small promising forks. Overall, the exchanger is quite good. I use it to buy cryptocurrency with Yandex Money, Perfect Money, and Qiwi. I don't use cards to avoid revealing my data. However, you can only buy major tokens; the exotic ones are missing. After trading on the exchange, I often convert crypto to fiat as well. Problems have only occurred with WEX/EXMO vouchers, but it seems the exchanger is not to blame, as exchanges sometimes delay with electronic codes. The rates are quite good; the last time I exchanged Yandex Money for BTC at a rate of 586,464.97 RUB = 1 BTC, which is slightly better than the market average. For comparison, the reverse transaction goes at 1 BTC = 561,710.58 RUB, with the difference between directions being less than 5%. But it's not always like that; some directions are less profitable, and some charge about 1% for conversion. Before exchanging, you can use the built-in calculator to find out how much will be credited in the end. This may seem like a simple function, but some exchangers do not provide such information until the application is submitted. The exchange process itself is quite fast: not instant like with machines, but also not dragging on for half a day like with manual exchangers. On average, the time from the start of the application to receiving funds in the desired account is about 20 minutes. With electronic wallets, everything happens much faster, while with cryptocurrency it takes longer due to the need for network confirmation.
